紐約總檢察長萊蒂蒂亞·詹姆斯警告美國國會領導人有關加密貨幣法規

紐約總檢察長萊蒂蒂亞·詹姆斯（Letitia James）向美國國會領導人發出警告有關加密貨幣的監管

New York Attorney General Letitia James penned a message to US congressional leaders, articulating her worries about the potential consequences of insufficient regulation of cryptocurrency.

紐約總檢察長萊蒂蒂亞·詹姆斯（Letitia James）向美國國會領導人發了一條信息，表達了她對加密貨幣不足的潛在後果的擔憂。

As the use of Bitcoin and other virtual currencies rises, James highlighted the threat this poses to eroding the US dollar’s position around the world.

隨著比特幣和其他虛擬貨幣的使用升高，詹姆斯強調了這構成的威脅，旨在侵蝕美元在全球範圍內的地位。

The attorney general's statements come amid a broader conversation among policymakers about how to best integrate cryptocurrencies into the financial system.

總檢察長的陳述是在政策制定者之間關於如何最好地將加密貨幣整合到金融體系中的更廣泛的對話。

Her emphasis fell on the urgency of stronger federal regulations to protect investors from fraud and safeguard national security interests.

她的重點放在更強大的聯邦法規的緊迫性，以保護投資者免受欺詐和保護國家安全利益。

"Despite the promise of new technologies, the cryptocurrency market is riddled with fraud, scams, and deception, and investors are paying the price," James stated in a press release issued on Monday.

詹姆斯在周一發布的新聞稿中說：“儘管有新技術的承諾，但加密貨幣市場充滿了欺詐，騙局和欺騙，投資者正在付出代價。”

The importance of a federal regulatory system for digital currencies was highlighted in James's Congressional letter to Senate Majority Leader Chuck Schumer, Senate Minority Leader Mitch McConnell, House Speaker Kevin McCarthy, and House Minority Leader Hakeem Jeffries.

詹姆斯國會給參議院多數黨領袖查克·舒默（Chuck Schumer），參議院少數黨領袖米奇·麥康奈爾（Mitch McConnell），眾議院議長凱文·麥卡錫（Kevin McCarthy）和眾議院少數民族領導人哈基姆·杰弗里斯（Hakeem Jeffries）的信中強調了聯邦監管制度對數字貨幣的重要性。

Without regulation, these types of currencies leave users exposed to fraud and monetary volatility, she identified.

她確定，這些類型的貨幣在沒有法規的情況下使用戶接觸欺詐和貨幣波動。

Bitcoin in particular now poses a real threat to the dollar's dominance, especially as more businesses and individuals opt for digital currencies when sending money overseas, James indicated.

詹姆斯說，現在特別是比特幣對美元的統治地位構成了真正的威脅，尤其是在越來越多的企業和個人在海外匯款時選擇數字貨幣。

Her concerns mirror those of BlackRock CEO Larry Fink, who suggested that Bitcoin could serve as a hedge against the dollar amid US fiscal challenges and rising inflation.

她的擔憂反映了貝萊德首席執行官拉里·芬克（Larry Fink）的擔憂，後者建議比特幣在美國的財政挑戰和通貨膨脹率上升的情況下作為對沖。

"Millions of New Yorkers actively buy, sell or hold cryptocurrency and other digital assets, and they deserve further protection," James wrote in her message.

詹姆斯在她的信息中寫道：“數以百萬計的紐約人積極購買，出售或持有加密貨幣和其他數字資產，他們應該得到進一步的保護。”

Stablecoin Safeguards And Investor Protection Measures

Stablecoin保障措施和投資者保護措施

The Attorney General placed particular emphasis on stablecoins, which are cryptocurrencies pegged to stable assets such as the US dollar. She called on lawmakers to establish regulations mandating that stablecoin issuers have a US presence and support their tokens with US dollars or treasuries.

總檢察長特別強調了穩定的穩定貨幣，這些加密貨幣固定在穩定的資產（例如美元）上。她呼籲立法者制定法規，要求穩定發行人在美國擁有美國的存在，並以美元或國債的支持。

James described how stablecoins facilitate the exchange of value among various cryptocurrencies but, in the absence of regulation, can be manipulated and create fraud.

詹姆斯（James）描述了穩定幣如何促進各種加密貨幣之間的價值交換，但是在沒有監管的情況下，可以被操縱並造成欺詐。

"For instance, a recent report by the Federal Trade Commission found that cryptocurrency scams defrauded over 560,000 people in 2022 alone, with reported losses exceeding $1 billion," James said.

詹姆斯說：“例如，聯邦貿易委員會最近的一份報告發現，僅2022年，加密貨幣騙局就會欺騙56萬人，據報導損失超過10億美元。”

"Thousands of New Yorkers and investors nationwide have lost millions of dollars to cryptocurrency scams and fraud that can be avoided with more robust federal regulations."

“全國成千上萬的紐約人和投資者損失了數百萬美元的加密貨幣騙局和欺詐，可以通過更強大的聯邦法規來避免。”

James also demanded greater protections from crypto scams that have resulted in tremendous financial losses.

詹姆斯還要求對加密騙局進行更大的保護，這些騙局造成了巨大的財務損失。

"Despite the promise of new technologies, the cryptocurrency market is riddled with fraud, scams, and deception, and investors are paying the price," she said.

她說：“儘管有新技術的希望，但加密貨幣市場充滿了欺詐，騙局和欺騙，投資者仍在付出代價。”

"We need strong federal regulations to protect investors from being defrauded by cryptocurrencies and to mitigate the risk of price volatility and market manipulation."

“我們需要強有力的聯邦法規，以保護投資者免於被加密貨幣欺騙，並減輕價格波動和市場操縱的風險。”

Keep Crypto Out Of Retirement Funds

將加密貨幣拒之門外

The attorney general went so far as to advise against having digital assets in retirement accounts like IRAs.

總檢察長甚至建議不要在IRA等退休帳戶中擁有數字資產。

James argued that cryptocurrencies are too volatile and risky for retirement savings plans. She cited the extreme price fluctuations of Bitcoin as evidence of instability that could harm the financial well-being of individuals, especially retirees who depend on their savings.

詹姆斯認為，對於退休儲蓄計劃而言，加密貨幣過於波動和冒險。她認為比特幣的極端價格波動是不穩定的證據，可能會損害個人的財務狀況，尤其是依靠儲蓄的退休人員。

This is relevant because financial institutions like Fidelity began offering crypto IRA options to clients.

這很重要，因為像Fidelity這樣的金融機構開始向客戶提供加密IRA選項。

In addition to investor protection, James maintained that comprehensive crypto regulations would enhance national security by curtailing criminal activity.

除了投資者的保護外，詹姆斯還堅持認為，全面的加密法規將通過減少犯罪活動來增強國家安全。

She explained that cryptocurrency purchases are usually anonymous and used for criminal activities, necessitating the government to implement stringent rules mandancing crypto firms to register with regulators and adhere to anti-money laundering protocols.

她解釋說，加密貨幣的購買通常是匿名的，用於犯罪活動，因此政府必須執行嚴格的規則，這些規則將加密貨幣公司註冊在監管機構中並遵守反洗錢方案。